KS Equity Loan Originator

We recognize that in order to meet the needs of our communities, we must represent our communities. Our success relies on creating a culture where we have diverse perspectives and a true sense of belonging. This is a journey, and we pledge to do more than simply check the box.

When you join the Meritrust team, your benefits will include:

• Comprehensive medical insurance plan
• Dental and vision insurance
• Generous paid-time-off
• 12 paid holidays
• 401(k) plan
• Wellness program
• Tuition assistance
• Employee loan discount
• Employee Assistance Program (EAP)
• Life and disability coverage

• Career development and pathing opportunities to move into leadership roles or other lines of business within MCU such as Commercial Lending, Finance, Marketing, Underwriting, Member Solutions, Training, Human Resources, and more.
• Supportive and engaging work environment.
• A wellness and sustainable work culture that puts family, Mother Nature, our community, and your health first.
• A work environment that encourages personal as much as professional growth, teamwork to make the dream work, and treating everyone equally.
• We encourage you to apply for a job at Meritrust Credit Union, even if you don’t meet every one of our qualifications listed.

This is a full-time position working 40 hours a week, Monday-Friday 8:00am - 5:00pm.

The Home Equity Loan Originator drives growth of home equity loans and HELOCs by sourcing, consulting, and guiding members/customers through the end‑to‑end lending process. The role builds referral networks, partners with branch and digital channels, structures credit‑appropriate solutions, gathers complete applications/disclosures, and coordinates with underwriting, appraisal, title, and closing to deliver a timely, compliant, and member‑centric experience.

• Business Development & Pipeline
  • Generate applications via branch partnerships, outbound calling, digital leads, community outreach, and COIs (realtors, builders, financial advisors).
  • Maintain a disciplined pipeline; prioritize files to meet cycle‑time and funding goals.
• Member/Customer Consultation
  • Conduct needs assessments; explain home equity loans vs. HELOCs (rates, terms, draw periods, repayment features, fees).
  • Provide accurate payment estimates; set clear expectations on timelines and documentation.
• Application & Documentation
  • Take and submit complete applications; collect income/asset/occupancy documents; order credit; verify title and lien position.
  • Ensure accurate data entry in LOS (e.g., Encompass/Empower) and CRM; issue required disclosures within TRID timelines.
• Structuring & Coordination
  • Structure loans consistent with policy (LTV/CLTV, DTI, collateral, pricing).
  • Coordinate appraisal/AVM, title, flood, insurance; clear conditions; schedule closing and review final terms.
• Compliance & Risk
  • Adhere to SAFE Act/NMLS, ECOA/Reg B, TILA/Reg Z, RESPA/TRID, HMDA, FCRA, Fair Lending, BSA/AML/KYC.
  • Protect NPPI and follow all information security protocols.
• Cross‑Functional Partnership
  • Collaborate with underwriting, processing, closing, servicing, and branches to remove bottlenecks and improve member experience.
  • Provide feedback to product/pricing teams on market trends and competitive positioning.
• Member Experience & Retention
  • Deliver proactive status updates; resolve escalations; drive high satisfaction (NPS/CSAT).
  • Identify opportunities to deepen relationships (e.g., checking, credit cards, digital banking adoption).

IsExpired information: N/A